Saving or building, which is more sensible?

If everything fails, there is only 1 harbor: gold. Not concrete gold. Real gold. Karsten

But gold yields no interest, you can only and exclusively rely on an increase in value. In addition, the fees and premiums/discounts for buying and selling are extremely high. Try buying a gold bar and then try to sell it again.

Gold. Not concrete gold. Real gold.

You can't eat gold. And it's also hard to trade.

What counts is land; on which you can grow food.

Yes, but I also think about extremes. Take Syria, Aleppo 2016. What good is the house to you if they bomb it to pieces. Money? It's just colorful paper. If you manage to survive, you are a king afterwards with some gold. Or gold enables you to flee to safety. Whoever had a household in Germany in 1939 might not have had one in 1945. But whoever had gold had something. And that also applies to some stocks. Siemens, for example, survived the war, but the Reichsmark did not.

Addition. Land is as good as gold. Karsten

Cigarettes and schnapps not to be forgotten

Tangible assets are important. A mix of stocks, real estate, and precious metals. Not just gold, but also silver. There have often been gold bans throughout history. No investment is one hundred percent safe. The important thing is to diversify.

Point 3: Tax class... the men have the big black number at the bottom right, the woman cries inside.

But you do know that the tax class does not determine who pays how much tax? We all pay taxes the same! Even I as an entrepreneur without a tax class. It doesn't matter at all which class you are! At the end of the year, the total amount is exactly the same. The tax class only determines the amount of the deduction.